From 2006 - 2007, over 36 million working days were lost, which is on average 1 and half days for each worker. Some of these were down to ill health caused by the workplace and others being due to injuries happening in the workplace as a result of accident.

A huge majority of these people would have been left struggling to find the income each month to cover their mortgage repayments if they had not had the foresight to take mortgage cover.The figures speak for themselves and are proof that accidents do happen. They also show that protecting your outgoings is essential and this is without considering sickness and unemployment through such as redundancy.

'I have savings' you may say, however you have to take into account the possibility that you could be relying on them for several months. Several months of mortgage repayments along with paying for groceries, heating, lighting and other essential outgoings would quickly drain those savings away.The same applies to the belief that State benefits would maintain your repayments. There has been a big shake up and reduction in the help provided. If your mortgage was taken after October 1995 you could be waiting a full 9 months before you would see any money and even then it would only be for the interest part and up to the first £100,000. Exactly how much help you would receive would depend on your circumstances and there are many conditions to be checked.

A far more reliable way of protecting your repayments and ensuring you keep your home is by taking out mortgage cover. This type of protection is also called accident, sickness and unemployment benefit as this is what it covers. When taken with standalone provider British Insurance you can choose the level of protection. A full policy would provide cover for all three, alternatively you can either insure just for accident and sickness or just for unemployment. How much you pay in premiums will reflect this and your age.

As British Insurance can offer age related cover this means that for the younger generation cover is now more affordable than ever. Savings of up to 40% when compared with quotes from other providers can be made.With mortgage cover you wouldn't have to worry, because you would be protected from the 30th day with British Insurance and for up to 12 months. The income you received would be tax-free and be backdated to day one. If you shop around it is possible to find cover that lasts for up to 24 months but you have to check the starting date of any policy you are considering because some providers make you wait 90 days before cover would commence.